Merit Platinum Card full review: should you get it?

Merit Platinum Card is a card with exclusive benefits that are not offered by any other card on the market. Read this full review and learn more about this card!


by José Gonçalo

Published on 09/15/2022

Merit Platinum Card: amazing $750 line of credit

Merit Platinum Card
Learn all about the Merit Platinum Card. Source: Merit Platinum

Indeed, the Merit Platinum Card is a credit card with unique features. This product has some very attractive rates. So, read on for a full review of this card!

Merit Platinum logo

Merit Platinum Card: check out how to apply!

Learn how to apply for the Merit Platinum Card, which offers a $750 credit limit, 0% APR permanently, 50% discounts on medication purchases, and much more!

In addition, it offers a set of services that are hard to find in other credit cards on the market. To learn more about this card, see the review below!

Credit ScoreThere is no minimum credit score
Annual Fee$177.24, paid in monthly installments of $14.77
Regular APR0%
Welcome bonusNone

Merit Platinum Card: learn more about this financial product

First, it is important that you know that this card is not issued by a bank or credit agency. In fact, this is a product aimed at customers of The Horizon Outlet online store.

This is an online store that sells pretty much everything. Indeed, in this store, you can find clothes for all ages, shoes, household items, ornaments, and a wide variety of objects.

So this card is not a Visa or a MasterCard. However, it has a number of interesting services.

Among them, if you are a member, you can get 50% discounts on the purchase of more than 55,000 pharmacies.

These are benefits that virtually no other card offers. In addition, you even have the option to test this card for 7 days. If you are not interested, you can cancel it without having to pay any fees to do so.

In addition, this card even allows you to check your credit report if you enroll in Credit Hawk membership.

Merit Platinum Card features

Horizon Outlet
This is an exclusive card for use by Horizon Outlet customers. Source: Horizon Outlet

This is, in fact, a card very different from anything you can find on the market today. To understand why, take a look at the main advantages and disadvantages of this credit product below:

What are the benefits? 

  • This card offers a $750 credit line;
  • No APR fee;
  • Offers services such as 50% off in pharmacies and others;
  • People with bad credit and history (even with bankruptcies) have no barriers to getting approved.

And what are the drawbacks?

  • It doesn’t help you build credit: it doesn’t report your payments to any credit bureaus;
  • It can only be used for purchases at The Horizon Outlet online store;
  • High Annual Fee: $177.24 per year.

What credit score do you need to get the Merit Platinum Card?

Indeed, this card does not check your history or credit score. So it doesn’t matter what your credit score is. This will not be taken into account when applying for this card.

How does the Merit Platinum Card application process work?

In our post below, find out how to apply and what are the basic requirements to be accepted!

Merit Platinum logo

Merit Platinum Card: check out how to apply!

Learn how to apply for the Merit Platinum Card, which offers a $750 credit limit, 0% APR permanently, 50% discounts on medication purchases, and much more!

About the author

José Gonçalo

I started reading about finance only to find better options than savings. Since then, I have never stopped studying finance, and I believe that writing about it is the best way to help individuals feel fulfilled and have a healthy financial life. Today, I balance finance and medical school studies.

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